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Melania F. is a widow who lives in Brgy. Poblacion, Oslob, Cebu. She earns her living with a fish vending business. Melania joined NWTF-Project Dungganon in 2005 because she wanted something better for her family. With the help of her past eleven loans from NWTF-Project Dungganon, and by the sweat of her brow, Melania has been incrementally lifting her family out of poverty. Her previous loan of 15,000 Philippine pesos (PHP) helped her earn a monthly profit of 8,000 PHP, thus improving her family's standard of living. This time, for her twelfth loan, she is borrowing 15,000 PHP. She intends to use the additional capital for the business so that she can continue to save up for the future and support the needs of her family. Melania F. is a Dungganon woman who is following an honorable path towards the achievement of her dreams.

About NWTF:
In a world full of challenges, Negros Women for Tomorrow Foundation (NWTF), is making a difference in the lives of thousands of women through Project Dungganon (a Hiligaynon word that means honorable). Through the alleviation program, NWTF is empowering these women to progress from earning less than $1 a day to achieving realities that surpass even their dreams. They have taken a life path that will ultimately make them Dungganon - a title of esteem that is bestowed on a member of a community who has earned respect through a lifetime of hard and honest work. Help NWTF continue its mission to help the poorest in the Philippines by clicking the link to the NWTF Kiva lending team on to join our team.

Additional Information

About Negros Women for Tomorrow Foundation

Negros Women for Tomorrow Foundation, Inc. (NWTF) is a non-governmental organization established with an aim to help men and women achieve self-sufficiency, particularly in the province of Negros Occidental’s low-income communities. The organization offers its clients a wide variety of products, including loans for micro-entrepreneurs, hospital income benefits, life insurance, accidental death benefits and more. Kiva lenders’ funds will be used to expand the reach of these products to low-income urban and rural communities.

About Philippines

  • $7,000
    Average annual income
  • 423
    View loans »
    Philippines Loans Fundraising
  • $69,606,975
    Funds lent in using Kiva
  • 44.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Melania additional funds for business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Aug 12, 2010
Sep 10, 2010
Currency Exchange Loss:
Mar 16, 2011